In many cases, the end of the year gives you time to step back and take stock of the last 12 months. This is when many of us take a hard look at what worked and what did not, complete performance reviews, and formulate plans for the coming year. For me, it is all of those things plus a time when I u...

PASADENA, Calif., Nov. 16, 2012 /PRNewswire/ -- Wallaby Financial, the developer of a flexible, cloud-based wallet that can be used wherever major credit cards are accepted, today announced the release of a free iPhone application. The app helps consumers optimize their credit card rewards and benefits automatically.

Wallaby's iPhone App is designed for consumers who hold multiple credit cards offering rewards for hotel stays, airline points or cash back. The Wallaby app makes a real-time recommendation to the most advantageous card based upon the type of transaction, limited time offers, and other key factors. The app establishes rules based upon a user's stated preferences, allowing consumers to gain the most travel or cash back rewards from their cards.

Wallaby's new free app provides iPhone users with previously unobtainable credit card intelligence on their smartphones. "Every day that goes by, consumers seem to be more confused about which credit card will get them the most points or rewards," said Matthew Goldman, CEO and Founder, Wallaby Financial. "Our new iPhone app makes it easy for consumers to eliminate the confusion, and use their credit cards in the most advantageous way."

Goldman added that Wallaby's consumer value proposition compares favorably with the profusion of mobile payment solutions being introduced by merchants and financial services providers. "Consumers today need all the help they can get to make their dollars go further, and to get the most out of all of the available programs," he said. "By helping people maximize their credit card rewards, Wallaby is the most direct mobile route to a better consumer shopping experience."

With the Wallaby app, consumers have complete control over the rewards that are most important to them. "We simply offer guidelines on how to best direct their spending," Goldman continued. "Consumers can save up to 45 percent more with Wallaby's smart recommendations."

Led and co-founded by Matthew Goldman, CEO, and Todd Zino, CTO, Wallaby Financial is a Winter 2012 graduate of the Santa Monica, Calif.-based MuckerLab, a mentorship-driven startup company accelerator focused on serving Internet software, services and media entrepreneurs in Southern California. Wallaby is backed by multiple venture and angel investor sources, led by Founders Fund's seed portfolio, FF Angel, and including WI Harper Group, Quotidian Ventures and Karlin Ventures.

Tens of thousands of individuals have signed up for the first Wallaby Cards. Download the Wallaby App in the iTunes App Store or at www.walla.by/mobile to learn how Wallaby is transforming the credit card landscape, or to join the "Wait List" for the Wallaby Card, visit www.walla.by.

About Wallaby FinancialWallaby Financial is building the first service to combine a cloud-based wallet with an intelligent credit card. Working alongside a consumer's existing credit cards, Wallaby's disruptive solution ensures that a consumer maximizes the rewards available from each purchase.This is achieved automatically using Wallaby's proprietary real-time algorithms. In addition to gaining the most travel or cash back rewards from their cards, consumers can also set credit card preferences, and designate the percentage of spending that should go to individual cards. Wallaby also makes it easier for consumers to take advantage of marketing offers from merchants & banks to optimize their spending even further. The Wallaby Card can be used wherever major credit cards are accepted. For more information, please visit http://www.walla.by

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